I have collected alot of money and one of my customers did not have the money to pay me, so I am going to hold it until next payday.

AVON Orders paid:
$3.50
$216.72 (three checks)
$99.00
$30.00
TOTAL: $349.00

STILL WAITING
$8.24
$43.93

One of my Customers could not pay-she owes me $43.93.
Two Products have a two week trial $36.00 (delayed billing @ $18 each)

I am getting $80.00 for My Birthday so I am going to put that towards the money I owe AVON since I had spent too much Money on AVON Products for Myself. I also am Selling something that I had bought for $55 and putting that towards my AVON Bill as well so I will have money to go to Wendover this weekend.
$80+$55=$135.00

Bank Balance: $444.01----> $429.00
Still waiting for a $15.00 check to go through.

AVON Balance: $620.79

$135.00
$132.00
=$267.50
+$429.00

is $696.50
AVON $620.00

LEFTOVER for Wendover is $76.50

Well my check was deposited for $566.79 because I had had my work automatically send $150.00 into my Savings.

$566.79

Gas for Ride $15.00
Rent $240.00
Child Care $100.00
Smith's $17.87
KFC $5.79
TOTAL: $378.66

LEFTOVER $188.13

AVON Order $597.22

I am so UNOrganized! I am trying to get Organized but I think I am just going to HAVE too.

I forgot to file my review for my Child Care Assistance and so now it may take another 10 days to process. My Daycare Provider is not very happy about this.

So now I am in a bind.

Not only that but my order for AVON is going to be BIG and I have to pay rent.

I do have the money in Savings but if I have to use it again I will.

I am also STILL waiting for those checks to go through from last Payday.

My Main Bills are:
Child Care $150 (with Assistance)
Rent $240
AmeriPlan $35
AVON ??? (Depends on Order)
Savings DD $150
TOTAL: $575+

This weekend I am going to get Organized! I cannot live like this anymore. It is not Healthy.

Well yesterday I went to Panda Express and spent $12.03 and tonight was $19.35 for Five Buck Pizza.

My Current Bank Balance is $198.26

Still waiting for my checks to go through. ($55, $10, $32, $35). I sure hope I am not forgetting anything else.

I think my balance LEFTOVER will be $66.00.


I had signed up for an FSA account of $500 for June-December 2005. I plan to use that in conjunction with my
AmeriPlan and also for my Daughter's prescriptions. I figure per pay period would be $41.67. This will not go into affect until June 2005.

I also recieved free $50,000 in Life Insurance from my Employer.

I am considering opening up a separate Checking Account for my AVON Business.

With all these figures I will need to track money income even more.

SAVINGS DEPOSIT:

AVON Money $222.44
My Own Deposit: ???? (I will possibly wait till all the checks go through)
Savings Total: $99.07

I have also set myself up for Direct Deposit of $150.00 into my Savings and I believe it will go through next pay period.

Checking Total: $502.87
(Recieved Refund of $60.00)

Money Spent:

AVON: $292.58
Luncheon $10.00
Product $55.00
DWSA $32.00
AmeriPlan $35.00
TOTAL: $424.58

I took $220 out of my Savings because I thought I would be short in my Checking. I think I was wrong.

AVON is $290.00
Ameriplan is $35.00
Child Care is $110.00
AVON Event $32.00
Product $55.00
Babysitter $40.00
TOTAL: $562.00

My checks had already went through for Rent and Child Care. I am waiting for the rest. Plus, I am getting paid for my AVON this week. But I am not too worried I will have Direct Deposit for my Savings here soon. I will also try to save an EXTRA $100 as well so I can get my Car. I should have my Car in a couple of months...sigh.

I had submitted an AVON Order for $406.00 (my best Campaign and second since starting). I am having some technical issues and so it may take a little longer for the order to come through plus I get 50% from the order for profit.

Rent will be $200.00
Child Care is $110.00
Stuff I bought $55.00
AmeriPlan is $35.00
Lunch at work ????
Savings ???
Bill ???
AVON???

I am hoping I am not forgetting anything else.

Last night I went to a Club and spent $10 + $2 ATM Charge and got two free drinks.

BANK TOTAL: $19.30
SAVINGS TOTAL: $319.00

I was also looking into another Opportunity.

I am still waiting for my Refund for the Credit/Mortgage System - $60.00

Saturday I wanted to eat Taco Time and so I bought about $9.00 worth of food. I also wanted to rent a Movie (The NoteBook) and I paid $10.64 for the deal.

AVON!

Business is good!

My C-9 may be kind of big because my Upline may not be doing AVON anymore for a while.

Right now I have 4 orders and I am going to go and collect the rest today and tomorrow.

I Love doing AVON. It is very fun!

Jacquelyn

Well today during my split shift I went out to lunch with a few co-workers and we went to Panda Express
and to Kohl's.

My Lunch cost $6.86 and the clothes I paid for at Kohl's was $26.50.

I had shopped the Sales racks (70% off) I had bought 2 pairs of work pants and one blouse for $26.50

Lunch, I had got three sides and a drink and that was $6.86

The Total was $33.36

I had to buy pants because I had gained alot of weight this year and now my pants don't fit me. I am working on a diet plan but it is not my immediate goal at the moment. I have started eating trail mix instead of junk food but my problem is I feel hungry all the time.


Other than that, my AVON business is going good!

My first campaign C-8 I had one order for $14.00

On my second campaign C-9 I will have at least five orders. I will be collecting my orders Monday.

SO far I have:
1 order-2 items at $3.98 (Not including tax or shipping) I decided for this client she is either going to sign up to be a represenative and/or I am going to get her the Outlet Catalog.

My First Four Campaigns I get 50% then after I have to work my way up to that much. Which I think is a great motivator.

I am still deciding what I am going to do with my Discount Health Care Business.

Already thinking about what is due for my next payday just to be sure I will have the money on hand.


Rent $80.00 (My parents gave me a break)
AVON $100.00+
Child Care $130.00
AmeriPlan $35.00
Lunch @ Work $60.00+
TOTAL so far = $405.00 ESTIMATE

Ok here is what I did today

Paid AVON there $50.60
Paid Medical Bill for $30.00
Deposited $175.00 into SAVINGS
Deposited ANOTHER $14.00 into Savings (AVON Pay)

I am expecting my Refund of $60.00 to go back into my Account in the next few days...

Well, I had called the medical office to pay a bill over the phone and the woman was not available so I left a Message. The Bill is for $30.00

I still have to pay AVON some money. I owe them at least $50.00

I will be depositing $175.00 into Savings.

Mostly on AVON!

AVON $33.95
Rent $240.00
Smiths $30.40
Liz Pictures $15.94
Walmart $31.53
Dollar Store $16.26
Total: $368.08

Leftover $320.92


I still owe AVON about $50.00 plus I am going to pay a medical bill tomorrow and deposit the rest into Savings.

I love Payday!

My Check is $689.41

Rent $240.00
AVON Products $35.00
Medical Bill $50.00
AVON $50.00
TOTAL $375.00

I am also going to send back my Credit/Mortgage System. Which means I will get a refund for $60.00.

I had also set myself up for Direct Deposit. I want them to take out $150.00 and put it in my Savings Account.

I did not go to work today, My daughter had kept me up all night and so I am tired. Which means I am out $80.00 because I do not qualify for Sick pay yet.

I will be starting my Telemarketing Job probably this weekend.

I am also working on building a Customer Base for my AVON Business. I went to my first AVON Meeting last night and I enjoyed it. I Love AVON Meetings. I have a Leadership Meeting next Thursday as well. MY Goal is 5 on my downline and 15 customers.

I will be putting an Ad in the paper for my AmeriPlan Business for Members. My Goal is to enroll 10 Members. Then if the Ad continues to go well I will keep putting the Ad in the paper.

I am still working on getting my Car. Between working and everything else I am doing, I just haven't been very focused.

I owe my College $98.00 but I do not have to pay that till the end of the quarter.

Well I paid my brother $10 to clean for me because I am having guests coming over-this ended up being a win-win situation because he is leaving for Job Corps on Tuesday and they do not pay that much there-trust me, I know.

I also sent aside $10 to join AVON and my AVON Lady and her Unit Leader will be here today.

I also planning on paying a $100 Medical Bill from my daughter when she was having really bad weazing and I had to take her to Primary Children's Hospital.

Next Check, things I plan on doing:
Pay Rent $240.00
Medical Bill $100.00
Savings $250.00
Lunch @ Work $40.00
AVON Products $35.00
TOTAL: $675.00 is how much I am estimating.

Well, I have a NEW Plan set out. I guess you can never stick to one Plan.

I decided on my next check I am going to pay some Medical Bills instead of waiting to pay them. After all the stuff I had bought this last week I think it would make sense throwing away some of that money on my own Debt. I also decided I am going to get Direct Deposit set up for my Savings just so I won't touch any of the money that I could be saving. I am also waiting to qualify for Benefits at work so I can get Tuition Reimbursement and an FSA account.

I am also STILL waiting for my headset so I can start my Work at Home Job. If you are reading this and you want to work at home I recommend visiting http://www.mommysplace.net she offers FREE information and Job Listings about working from home and also how to start your own Virtual Assistant Services.

Now I have to what I am going to do with my Business(es)? Yes, I will be selling AVON soon and I starting this new thing for Credit Solutions.

I would like to put more money in AmeriPlan because that is where my Business lies. That is why I need to study Dani Johnson and get going with my Business. I am still focusing on the Retail portion of the Business. I think I may put an Ad in my local paper and see what happens.

I just wanted to add that I am also going to take a look at my Credit Report and start paying those bills as well. I would love to be on a clean slate before I move into my own house.

Well I splurged, spent, went on a shopping extravaganza, you name it!

Anyway I had to buy a new headset with amplifier for my at-home Job. That cost me $69.95 which left me with $53.01 and I am still waiting for them to pull from my Checking for Ameriplan which is $35.00 which will leave me approx. $18.01 till next payday.

Cash on Hand- $41.00
Bank Total- $53.01

Bills due:
Ameriplan $35.00
AVON $5.00 (will be joining AVON)
Lunch @ Work- $33.68 (Next Check)
AVON order $35.00 (Next Check)
AVON Check for this order $12.67 (Not been deposited yet)

TOTAL: $7.00 till next payday.

I had spent alot of money on Saturday.

Thrift Store $18.00

Smiths $30.00

Gave Brother $10.00

Credit/Mortgage System $60.00 (Debit Card)

Paraliminal CD $34.95 (Debit Card)

TOTAL: $152.95

CASH: $47.00
Bank TOTAL: $148.10

Still OWE:
AmeriPlan $35.00
AVON $12.00+

I guess I just splurged and I didn't care to think of the consequences and I rationalized about waiting to get my Car. I don't necessarily feel guilty, I just know it wasn't the right thing to do and sometimes emotions play into spending as well.

FRIDAY SPENDING LOG:
Bank Withdrawl: $400.00
Rent: $240.00
Bro B-Day $20.00
Leftover was $140
Gift for Friend: $33.82 (Debit Card)
Diapers & Wipes $20.32 (Debit Card)


Yard Sale:
Iitems:
Bookshelf $2.00 (been wanting to get one for a LONG time)
Bicycle w/training wheels $10.00
Keyboard for PC $1.00

TOTAL: $13.00

Swapmeet:
Items:
4 Videos for $7.00
3 Videos for $6.00
Toy for Liz $4.00

TOTAL: $17.00
GRAND TOTAL: $30.00

CASH TOTAL LEFTOVER: $107.00
BANK TOTAL: $243.05
Still OWE:
AmeriPlan $35.00
AVON $12.00+

My Check was only $697.19 because of miscalculation of Hours and Eating Lunch at Work

Now time to Budget

SAVINGS: $300
Rent: $240
Brother B-Day $20 (He wants Cash)
AVON $15+
Diapers & Wipes $20
AmeriPlan $35.00
TOTAL: $630.00

BANK BALANCE: $67.19
SAVINGS TOTAL: $430.00
Lunch Balance: $12.53

I was also notified by Child Care Assistance is now $250.00 a month.

I am still waiting for my headset for my new Job.

I am still working on my business. I am probably going to be putting up more flyers again.

Well today I spent $1.92 and I emailed the Payroll Manager and asked her how does deducting from paycheck work from eating in the Cafeteria.

Today I bought a Cookie and a breadstick for my Spaghetti O's.

You know, the best way to save money is eat like a Child.

Ok I get paid Friday and here are my expenses

SAVINGS: $350 (I would like to deposit $400 but we will see)
Rent: $240
Brother B-Day $20 (He wants Cash)
AVON $15+
Lunch @ Work $22.45
Diapers & Wipes $20
AmeriPlan $35.00
TOTAL: $702.45

Anyway, I have been trying to build my business in the mean time since I have to put a short hold on my Part time Job. The Lady wanted me to start Friday but I told her my headset didn't work and I would have to have it replaced. I bought it on eBay and the guy is going to exchange it.

I have two potential prospects interested in the Discount Health Care Plan. I am just not good at expressing the value of the Plan so I think that is why they may be hesitant. But the plan works very well! It has been around for 12 years and has a high retention rate. But, I know what it is like to make decisions that could affect me financially.

Well I finally have my Digital Camera set up and it just occurred to me that I can put some things on eBay.

I got the feeling I am not going to have much left for play money after this check. But that is ok, my Savings is real important to get a Car.

Went and hung out with my Sponsor who got me into my Business. WE bounced some ideas off each other like we usually do and decided since Spring/Summer is coming up that we should start booking Fairs and Festivals for the MLM Business. I also gave my Sponsor some of my leads since I am not ready to jump back into the game yet.

I am very Proud that I am in the Business I am in. Since I was able to save my mom 50% off her Prescription I am very happy.

I decided it would be SMARTER of me to start BUILDING my Business instead of just trying to find ways to supplement my income, but who says I cannot do both?

We also went out to eat and I spent $7.08 and now I am SURE I have $1.49 in my Checking Account.

Then we went browsing through different stores deciding on decor for my dream house. I never knew Window Shopping could be so fun!

Ok what are my Financial Goals? What needs to be accomplished? What can I put where!

Situation: Single Mom with baby girl needs Car and House and always to have ALOT in Savings!

***Open up a Savings Account for My Daughter***

Short Term Goals:
1) Get a Car ($130 in Savings) putting money at Credit Union @ .85%

2) Go to Vegas/Wendover (?) (On hold)
3) Get Pampered for a day! (On hold)
4) Get a Credit Card to build my Credit

LONG Term Goals:
1) Save $5,000 this year at 2.60% at ING Direct

2) Build My Business (On hold)
3) Invest in Real Estate (On hold)
4) Invest in Stock Market (On hold)
5) Start an Emergency Fund (On hold)
6) Advertising Fund (On hold)
7) Consolidate My Debt (On hold)
8) Start an IRA (On hold)

HOW?
1) Work my full time Job and save $400 a month (I Live at home and pay rent)
2) Work my part time Job (Average $200 a week?)
3) Build My Business (Business Goal: $0 to $500 a month?)

Do I want too much?
I am starting slowly by focusing on a few Goals at a time like getting my car and then began my Long Term Savings Goal but I figure if I build my Income Stream with my Part time Job and my Business then I should be ok?

*I am going to eat Lunch @ Work once a week.
*Save all my Change
*Increase my Income within 6 months!!!

Which ok and NOT ok. It is ok because it is Friday and I get paid next week and the only other bill I will have is Rent and I am stashing the rest away for my Car.

Lunch @ Work Bill is $22.45
Rent is: $240.00

I hope I do not spend any money for lunch next week except for Friday.

Leftovers are good but I cannot stand to eat Ramen all the time. I need variety.

I start my part time Job next week & then I will need to figure out a way to use my income all over again because I will be saving Money for Long Term, Short Term and for Liz.

I am so Proud of Myself and My Mom for taking a chance on my Discount Health Care Business.

My mom is having issues with their new insurance company and she was going to have to end up paying full price for her prescription and I talked her into using my Discount Health Care Card from Ameriplan she since is covered on it (I live with my family right now) and she ended up SAVING 50%!!!

She ended up only paying $7.76 and originally it was $13.99.

I LOVE My Business!

Well we had a Health Fair at Work today and I got all kinds of free goodies...like pens, posters etc....

I also did some screenings test for Glucose, Bone Density and Cholesterol and discovered that I am "high borderline" for my Cholesterol rating.

The highlights of the event was the food! Wild Oats had a booth and a discount coupon for 10% off and Make-your-own Trail Mix. I also got some STOP SMOKING Posters to hang in my room so that whenever she comes into my room she will see it and maybe quit smoking.

I got some Nutritional Information and signed up for $5 teeth cleaning at a local dentist.

It was really fun and now I am extremely tired!

Jacquelyn

Well I deposited my $90.00 check to myself into My Savings Account at my Credit Union.

I bought Lunch using my CASH I had leftover from the Weekend. I spent $4.95 and plus .75 cents at the Candy Machine.

So the CASH I have leftover is $1.00 and I have about .55 cents to put into my Money Jar.

I am already planning next payday and the only Bill I have is Rent.

I am almost ready for my second Job, I am just waiting for my headset.


Online Bank Amount: $109.57 but $90.00 is being deposited today into my Credit Union Savings Account.
Sill waiting for Fund. Brownies check to go through $11.00

REMAINING BANK BALANCE: $8.57 till next Payday.

I am eating Ramen for Lunch, I brought my own soda pop and I will be spending .75 cents in the Candy Machine. Which will leave me .25 cents left over to put in my Money Jar.

I am also going to write myself a check to deposit into Savings for the amount of $90.00 at My Credit Union.

I LOVE Online Banking- It is the best way to keep track of what you are spending.

I decided when I have both my Savings Accounts the one for Long Term and Short Term Goals that I will deposit 10% into my Short Term and $400 a month into my Long Term account.

I need a Break! I have been working my tail off and I have NOT had a Vacation, never!

Well, I decided I am going to do two things for my next short term goals after I get my Car.

I will be saving to either go to Wendover or Vegas and I will be to get a Massage at some kind of Massage School (I see it advertised all the time!) and it is cheap!

I am up to $130 in Savings and by my next paycheck I will probably have enough for my Car to purchase at an Auction.

Then I will be Saving for both My Long Term and Short Term Goals and began playing in the Stock Market!